It’s a win-win situation for both parties.4o

I am obviously conflicted with the moral side of pursuing legal action here, but understand that people can do untruthful things when it comes to financial gains. 

This is advantageous bc later you have a third party loan (not your personal money) so seasoning period is 90 days to DSCR out. 

https://www.biggerpockets.com/forums/51-tax-legal-issues-con...

To avoid reducing your lifetime exemption, you could gift equity incrementally, but this requires proper legal structuring (e.g., fractional ownership transfers).

Better yet have them underwritten by a licensed 3rd party.

This is both a legal and tax question. 

Because I'm not an accountant or versed in tax code and law wouldn't I want a CPA to ensure everything is legally tight and as advantageous as it can be? 

Consider balancing liability protection with administrative costs, and consult with a CPA to align your structure with your financial and legal goals.This post does not create a CPA-Client relationship.

Quote from @Sarah Ali: The seller has a contract with the agent, which means they can't legally sell the property without compensating the agent.